Total Assets
$844.6M
Total Deposits
$727.4M
Branches
14
Established
1936
Carolina Bank & Trust Co. is a bank headquartered in Lamar, South Carolina, established in 1936. It holds $844.6M in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Carolina Bank & Trust Co. earns a TFS Financial Health Grade of A+ (95.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
95.8 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Carolina Bank & Trust Co.HQ | 112 Main St | Lamar | SC | 11 |
| Carolina Bank & Trust Co. | 243 E Main St | Bennettsville | SC | 11 |
| Carolina Bank & Trust Co. | 320 Chesterfield Hwy | Cheraw | SC | 11 |
| Carolina Bank & Trust Co. | 166 Olde Towne Center | Chesterfield | SC | 11 |
| Carolina Bank & Trust Co. | 109 Express Ln | Darlington | SC | 11 |
| Carolina Bank & Trust Co. | 103 N Main St | Darlington | SC | 11 |
| Carolina Bank & Trust Co. | 3037 W Palmetto St | Florence | SC | 11 |
| Carolina Bank & Trust Co. | 185 W Evans St | Florence | SC | 11 |
| Carolina Bank & Trust Co. | 1539 S Irby St | Florence | SC | 11 |
| Carolina Bank & Trust Co. | 1042 N 5th St | Hartsville | SC | 11 |
| Carolina Bank & Trust Co. | 525 S 5th St | Hartsville | SC | 11 |
| Carolina Bank & Trust Co. | 110 W Mcintyre St | Mullins | SC | 11 |
| Carolina Bank & Trust Co. | 1043 Sea Mountain Hwy | North Myrtle Beach | SC | 11 |
| Carolina Bank & Trust Co. | 408 E Ashby Rd | Quinby | SC | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
95.8
Tier 1 capital ratio
13.51%
Return on assets
1.85%
Non-performing loans
0.41%
Efficiency ratio
43.22%
Asset growth (YoY)
4.84%
Suggested direct comparisons
NORTH CHARLESTO, SC
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.